Can foreigners with a Non-O retirement visa open a bank account in Thailand?

Foreigners holding a Non-O retirement visa are encountering difficulties opening bank accounts in Thailand, often being told by banks that accounts can only be opened with a work permit or marriage to a Thai national. However, this seems to be more of a bureaucratic complication than a hard rule, with many users suggesting that persistence and trying different bank branches often yield success. Key requirements typically include a passport, residency certificate, lease agreement, and a Thai phone number, with assistance from a Thai person reportedly making the process smoother.